Paul H. Flowers Jr.Senior Business Consultant, Superior Insurance Advisors, LLC · 2024 Hot 100 honoree. 2026 Health Value Award. Fiduciary process documented. 30 to 40 percent health-plan savings for 100 to 2,000 employee CFOs. 3x number one bestseller.

What Would You Pay If You Only Paid for Your Own Claims?

2 Jul 2026 · 1 min

Watch on YouTube

0:45

In this brief promotional monologue, Paul H. Flowers Jr. contrasts fully insured and self‑funded employer health plans. He explains that fully insured plans require employers to pay a premium that includes the insurer’s margin, meaning any unused funds stay with the carrier. By contrast, self‑funded plans let employers pay only for the actual medical claims their employees incur, allowing any surplus to remain on the company’s balance sheet. He notes that 67% of covered workers are already on self‑funded plans, indicating broad adoption. Flowers urges employers to compare last year’s premium payments with the actual cost of care, framing the difference as a conversation about potential savings, and directs viewers to his website (paulhflowersjr.com) to run the numbers.

Chapters

What would we pay if we only paid for our own claims? Most companies have never asked that question. Fully insured, you write a premium check built around the carrier's margin. And in a healthy year, the money your people didn't spend on care? It stays with the carrier. You never see it again. That's why 67% of covered workers are already on self-funded plans. The majority figured it out. You only pay for the care your people actually use. And the surplus stays on your balance sheet, the exercise costs nothing. Two columns: what you paid in premium last year, what your people actually consumed in care. The gap is the conversation. I'm Paul H. Flowers Jr. Run your numbers at paulhflowersjr.com.